14533 Cherry Ridge Rd, Carmel, IN 46033 Property Records

Hamilton County property record for 14533 Cherry Ridge Rd, Carmel, IN 46033

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,108 sqft · built 1997
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$295,000 (Feb 2021)
Tax Bill	$3,788 (2024)
Deeds & Mortgages	May 2026 Line of Credit Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-10-22-002-042.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-22-002-042.000-018`
Alternative APN	`1610220002042000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,108 sqft Living Area
Gross Area	2,570 sqft
1st Floor Area	2,710 sqft
2nd Floor Area	986 sqft
Attic	Attic
Attic Area	808 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Construction Type	Frame
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	110 ft deep x 78.4 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	14533 CHERRY RIDGE RD
City	CARMEL
State	IN
Zip	46033-9179
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .20, SECTION 22, TOWNSHIP 18, RANGE 4, ASHMORE TRACE, LOT 42
Legal Range	04
Legal Township	18
Legal Section	22
Legal Subdivision	ASHMORE TRACE
Legal Lot Number	42
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1005
Census Tract	110911

Owner

Source: Hamilton County assessment roll, as of March 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	14533 CHERRY RIDGE RD, CARMEL, IN 46033-9179
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2026	Deed of Trust, Mortgage · Line of Credit ELEMENTS FINANCIAL FEDERAL CREDIT UNION
Feb 26, 2021	Warranty Deed, Transfer · Conventional Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 26, 2021 · Amount on Record
Deed Sale	Feb 26, 2021 · Amount on Record
Prior Sale	Feb 1, 2012 · Amount on Record
Deed Document Number	202115340
Last Transfer Date	Oct 25, 2024
Transfer Doc	0000040973
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Recording Date	May 18, 2026
Property Address	14533 CHERRY RIDGE RD, CARMEL, IN 46033-9179
Document Number	0000021716
Instrument Date	May 13, 2026
Instrument	202621716
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14533 CHERRY RIDGE RD, CARMEL, IN 46033-9179

Mortgage

Document Number	0000021716,
Date	May 18, 2026
Instrument	202621716

Lender

Name	ELEMENTS FINANCIAL FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 15, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.99%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Feb 26, 2021
Property Address	14533 CHERRY RIDGE RD, CARMEL, IN 46033-9179
Document Number	2021015340
Map Reference	DOC 9452521
Instrument Date	Feb 25, 2021
Instrument	2021015340
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	LANDQUEST TITLE SERVICES LLC, LANDQUEST TITLE SVCS LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14533 CHERRY RIDGE RD, CARMEL, IN 46033-9179

Mortgage

Document Number	2021015341
Date	Feb 26, 2021
Instrument	2021015341

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of March 16, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Hamilton County
County Subdivision	Clay Township
Municipality	Carmel City
Unified School District	Carmel Clay Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$352,700 (+0.83%) Land $79,600 Building $273,100	$352,700 (+0.83%) Land $79,600 Building $273,100
2024	$3,788.00 (+3.78%)	$349,800 (-) Land $79,600 Building $270,200	$349,800 (-) Land $79,600 Building $270,200
2023	$3,650.00 (+12.38%)	$349,800 (+22.39%) Land $79,600 Building $270,200	$349,800 (+22.39%) Land $79,600 Building $270,200
2022	$3,248.00	$285,800 Land $77,300 Building $208,500	$285,800 Land $77,300 Building $208,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective October 5, 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CARMEL WATER DEPARTMENT serves 99,927 people · EPA ID IN5229004
Water Source	Groundwater influenced by surface water
Last State Inspection	Aug 2024
Lead	3 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Jan 2024 E. coli resolved · Oct 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 319 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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